people without insurance who were canceled as a result of this law. they're in a very difficult position. but they've put other people in a bad position because they have not prepared and they've not acted in a way that would avoid this situation. >> i was thinking that the way the initial rollout went, i think they should have underpromised and then overdelivered this time around. but they are not in a position to do that because they've got nervous democrats up for re-election. they had to fix this. they had to come up with something they said was a fix. december 1st. but puts them in the unenviable position of, again, saying something that probably from what i read -- i mean, if you can go in and log in and maybe get on there. but if you -- the back end seems like it's more important than the front end. and if you don't have the back end done, how do any of these companies write insurance? signing up for it is one thing, actually getting it is another, right? >> that point you're making is absolutely true. i'll reflect in history back to 2006 when